Most of the time, it's best to use HTML text as real text if possible. But occasionally, like with banners you'll need to add text to your image. This text, once it's saved as an image is not read as text by the search engines, but merely as just a graphic image.
A tutorial about creating a Polaroid effect from a digital photo involving basic operations like layer and canvas management, drop shadows, selection move and rotation, and distort filters.